Predictika · Business banking quotes

An AI sales agent's Société Générale JAZZ Pro quote, checked before it goes out

An AI sales agent prepares a first-year quote for a small business: the JAZZ Pro current-account package, CB Visa Business and Gold Business cards, card options and Quiétis Pro insurance. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published professional tariff and returns a verdict, every reason, a line-item quote and the figures it computed.

Scope: Société Générale JAZZ Pro quotes: the JAZZ Pro monthly fee, CB Visa Business and Gold Business cards, dynamic crypto and Collection options, and Quiétis Pro. See everything this validator covers

This validator models first-year quotes for one product line, the JAZZ Pro professional account package with its Business cards, not just the scenarios shown below.

  • JAZZ Pro — the published monthly fee (€40, or €32 for members who also hold a private JAZZ or Sobrio account), and the 25 percent JAZZ Pro reduction on the CB Visa Business (€53 a year) and CB Visa Gold Business (€141 a year) cards and on Quiétis Pro (€62 a year).
  • Card options — the dynamic crypto option (€13 a year), the Entrepreneurs collection (€15) and the Business class collection (€109, Gold card only); the crypto option cannot be combined with a Collection option.
  • Quote checks — the line-item first-year quote is compared with the total the agent states, and a large card program goes to a person.

Any JAZZ Pro and Business card quote that touches these rules is in scope — not only the scenarios pictured here. Not covered: VAT treatment, withdrawal and payment commissions, the spend-based loyalty reduction, payment terminals (Monetia), the one-off opening and administrative fees, Cartes affaires, loans, and other Société Générale offers. Modeled, not Société Générale's: the approval above 10 cards, the rule that each card takes at most one of the three card options, and the no-JAZZ-Pro baseline (built from the brochure's stated minimum costs of €26 a month for account keeping and €23 a month for remote banking). The fees and reductions are the amounts printed in the public tariff.

The AI sales agentBuilds the business-account quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, the line-item quote and the computed figures.

7 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
Card prices that change with the account packageOnly with care
A price rule for each card and package combination, plus a 20 percent cross reduction that depends on a private account held elsewhere.		The package, the private account and every card are in one request and priced together.
Options that apply to some cards only or exclude each otherOnly with workarounds
The Business class option needs a Gold card and the crypto option excludes the Collection options, so the rules interact across lines.		Counts of cards and options are compared together on every call.
Stated totals that must equal the tariff totalOnly with care
A stated figure is a free-entry field; a rule can compare it with a computed total, but the total depends on several reductions that must be kept in step with the tariff.		The stated total travels with the quote and is compared with the computed total on every call.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
11 Business class card options are ordered with 0 CB Visa Gold Business cards; the Business class collection is available on the Gold card only.
23 card options are ordered for 2 cards; the dynamic crypto option cannot be combined with a Collection option, and each card takes one of these options.
3An order of more than 10 business cards is a card program; its terms are confirmed by a person.
4The quote states a first-year total of €704.00; the published tariff gives €705.00.
5A card or option quantity on the quote is below zero.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Card options: 7 business cards with 3 Business class options and 2 crypto options

    
The agent's request. Please quote JAZZ Pro, held alongside the customer's private JAZZ account, with 5 CB Visa Business cards and 2 CB Visa Gold Business cards, and 3 Business class collection options and 2 dynamic crypto options, plus Quiétis Pro insurance. The quote states a first-year total of €1,193.75. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Business class option needs a Gold card. 3 Business class card options are ordered with 2 CB Visa Gold Business cards; the Business class collection is available on the Gold card only.
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2. Card options: The agent resubmits after fixing the errors

    
The agent's request. Please quote JAZZ Pro, held alongside the customer's private JAZZ account, with 5 CB Visa Business cards and 2 CB Visa Gold Business cards, and 2 Business class collection options and 2 dynamic crypto options, plus Quiétis Pro insurance. The quote states a first-year total of €1,084.75. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Order summary. 7 cards, monthly fee of €32.00, estimated first-year total of €1,084.75 at the published tariff.
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3. Stated first-year total: 5 business cards with a stated total that leaves out the JAZZ Pro reductions

    
The agent's request. Please quote JAZZ Pro, with 4 CB Visa Business cards and 1 CB Visa Gold Business card, and 1 Business class collection option and 2 dynamic crypto options, plus Quiétis Pro insurance. The quote states a first-year total of €1,138.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated total does not match. The quote states a first-year total of €1,138.00; the published tariff gives €926.25.
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4. Stated first-year total: The agent resubmits after fixing the errors

    
The agent's request. Please quote JAZZ Pro, with 4 CB Visa Business cards and 1 CB Visa Gold Business card, and 1 Business class collection option and 2 dynamic crypto options, plus Quiétis Pro insurance. The quote states a first-year total of €926.25. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Order summary. 5 cards, monthly fee of €40.00, estimated first-year total of €926.25 at the published tariff.
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5. Large card program: 16 business cards with 6 Business class options and a stated total that ignores the Quietis Pro reduction

    
The agent's request. Please quote JAZZ Pro, held alongside the customer's private Sobrio account, with 12 CB Visa Business cards and 4 CB Visa Gold Business cards, and 6 Business class collection options, plus Quiétis Pro insurance. The quote states a first-year total of €1,938.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Business class option needs a Gold card. 6 Business class card options are ordered with 4 CB Visa Gold Business cards; the Business class collection is available on the Gold card only.
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  • Stated total does not match. The quote states a first-year total of €1,938.00; the published tariff gives €1,984.50.
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  • Large card program to confirm. An order of more than 10 business cards is a card program; its terms are confirmed by a person.
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6. Large card program: The agent resubmits after fixing the errors

    
The agent's request. Please quote JAZZ Pro, held alongside the customer's private Sobrio account, with 12 CB Visa Business cards and 4 CB Visa Gold Business cards, and 4 Business class collection options, plus Quiétis Pro insurance. The quote states a first-year total of €1,766.50. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Large card program to confirm. An order of more than 10 business cards is a card program; its terms are confirmed by a person.
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  • Order summary. 16 cards, monthly fee of €32.00, estimated first-year total of €1,766.50 at the published tariff.
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7. Large card program: The agent resubmits after fixing the errors

    
The agent's request. Please quote JAZZ Pro, held alongside the customer's private Sobrio account, with 7 CB Visa Business cards and 3 CB Visa Gold Business cards, and 3 Business class collection options, plus Quiétis Pro insurance. The quote states a first-year total of €1,353.00. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Order summary. 10 cards, monthly fee of €32.00, estimated first-year total of €1,353.00 at the published tariff.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a first-year quote for a small business: the JAZZ Pro current-account package, CB Visa Business and Gold Business cards, card options and Quiétis Pro insurance. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published professional tariff and returns a verdict, every reason, a line-item quote and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote JAZZ Pro, held alongside the customer's private JAZZ account, with 5 CB Visa Business cards and 2 CB Visa Gold Business cards. The quote states a first-year total of €1,193.75. The rest of the request is on screen.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with one finding, all in one answer. 3 Business class card options are ordered with 2 CB Visa Gold Business cards; the Business class collection is available on the Gold card only.
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  6. The validator returned one blocking finding in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other.
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  7. What this shows: for options that apply to some cards only or exclude each other, a rules-based CPQ can do this only with workarounds.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the business class collection options to 2 and the stated first-year total to €1,084.75.
    10. 
      
  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. The validator also returns the line-item quote. It starts with JAZZ Pro and CB Visa Business card; the other four lines are on screen.
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  13. The earlier finding is cleared, and the validator's total, €1,084.75, matches the quote.
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  14. One problem caught in one call, fixed in one pass, and a clean €1,084.75 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    15.